ROIC Balance Sheet

Financials in millions KWD. Fiscal year is January - December.

Millions KWD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	628.02	685.72	563.71	729.43	766.01	587.2
Investment Securities	1,282	1,246	1,043	795.92	731.68	742.25
Trading Asset Securities	198.45	211.91	174.45	176.37	123.86	100.52
Total Investments	1,480	1,458	1,217	972.29	855.54	842.77
Gross Loans	7,689	7,152	6,526	6,109	5,679	4,950
Allowance for Loan Losses	-226.6	-227.67	-204.48	-195.87	-165.86	-127.16
Net Loans	7,462	6,924	6,321	5,914	5,513	4,823
Property, Plant & Equipment	181.09	168.12	149.22	128.63	108.2	91.36
Investments in Real Estate	89.69	68.37	73.52	33.62	21.71	47.13
Accrued Interest Receivable	-	14.61	11.77	7.65	4.27	4.36
Other Receivables	-	-	-	51.57	51.57	-
Other Current Assets	-	7.94	5.81	5.28	4.06	3.93
Long-Term Deferred Tax Assets	-	24.38	19.21	9.37	-	-
Other Long-Term Assets	111.4	25.48	43.59	29.39	27.47	37.13
Total Assets	9,953	9,377	8,405	7,881	7,352	6,437
Interest Bearing Deposits	7,863	7,424	6,479	5,962	5,619	5,108
Total Deposits	7,863	7,424	6,479	5,962	5,619	5,108
Short-Term Borrowings	-	8.78	18.32	11.85	-	-
Current Portion of Long-Term Debt	338.68	521.3	340.9	198.68	395.15	281.37
Long-Term Debt	517.76	210.65	437.99	637.63	485.37	305.51
Pension & Post-Retirement Benefits	-	33.88	28.83	28.47	27.66	22.49
Other Long-Term Liabilities	142.55	91.73	71.05	62.7	74.86	93.32
Total Liabilities	8,862	8,291	7,376	6,901	6,602	5,810
Common Stock	441.08	420.08	396.3	373.87	317.97	302.83
Additional Paid-In Capital	316.94	316.94	316.94	316.94	156.94	156.94
Retained Earnings	162.42	155.16	117.39	89.23	75.97	64.96
Treasury Stock	-0.05	-0.05	-0.05	-0.05	-0.05	-0.05
Comprehensive Income & Other	147.53	171.15	174.46	169.03	163.09	68.57
Total Common Equity	1,068	1,063	1,005	949.02	713.92	593.25
Minority Interest	23.05	22.78	23.8	30.68	36.15	33.48
Shareholders' Equity	1,091	1,086	1,029	979.7	750.07	626.73
Total Liabilities & Equity	9,953	9,377	8,405	7,881	7,352	6,437
Total Debt	856.44	740.73	797.21	848.16	880.52	586.88
Net Cash (Debt)	209.04	336.44	91.41	240.88	207.62	317.38
Net Cash Growth	155.69%	268.04%	-62.05%	16.02%	-34.59%	-55.46%
Net Cash Per Share	0.05	0.08	0.02	0.06	0.05	0.08
Filing Date Shares Outstanding	4,410	4,410	4,410	4,410	3,938	3,938
Total Common Shares Outstanding	4,410	4,410	4,410	4,410	3,938	3,938
Book Value Per Share	0.21	0.21	0.19	0.18	0.14	0.13
Tangible Book Value	1,068	1,063	1,005	949.02	713.92	593.25
Tangible Book Value Per Share	0.21	0.21	0.19	0.18	0.14	0.13

Updated Jan 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.